Willoughby was injured in a car crash. He received compensation from two sources: $30.1 million from a jury verdict against Ellison (the negligent driver,) and $4 million in settlement proceeds from his own uninsured motorist insurer. At trial, Ellison asked the court to decrease the $30.1 million verdict by the $4 million settlement. The trial court refused. The Second DCA affirmed and certified a question of great public importance to this Court. Ellison asks this Court for review.

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